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2009 Emergency Financial Preparedness

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2009 Emergency Financial Preparedness Powered By Docstoc
					   What to do when the BIG ONE HITS
EVACUATE! What to take ???
Where to go for HELP!
Anchorage Alaska - 1964
I was there a few years later
Residential Damage - Sylmar
Quake
Evacuate! What to Take ???

•   “Grab & Go Box”   1. The Kids and other
                         family members.

                      2. Contents: “Grab & Go
                         Box”

                      3. Contacts Address
                         Book
                    • Proof they belong to you!
YES, THEY’RE MINE
                    1. Birth & Marriage Certificates
Kids & Family
Members             2. Current Picture

                    3. Drivers License (Pix ID)

                    4. Passports

                    5. Immunization Records
YES, THEY’RE MINE   • Medical & Other Info

                    1. Current Prescriptions
Kids & Family
Members             2. Medical Histories

                    3. Insurance Cards

                    4. Contacts: Hospitals, Clinics,
                       Doctors
Important Docs   • Contacts Address Book
                 1. Family
Household        2. Friends
Records          3. Schools
                 4. Financial Advisors
                 5. Utilities
                 6. Other Service Providers
                 7. Credit Cards
                 8. Banks
                 9. Brokerages
                 10.Mortgage Lender
                 11.Savings Accounts
                 12.Loans: Student, Auto,
                   other
Important Docs     • Stuff for you Box
Contents of your
“Grab & Go Box”
                   1. Cash, ($5, 10’s & $20’s)

                   2. Coins (Rolls of Quarters &
                      Dimes, for pay phones)

                   3. Travelers Checks

                   4. Debit Cards & Credit Cards

                   5. Emergency Fund: money to
                      live for 3 months.
Evacuate! What to take?

•   Important    1. Insurance Policies &
                    Medical Doc’s
    Documents
                 2. Household Records

                 3. Legal Documents
Important Papers   • Insurance Policies
  Insurance
  Policies         1. Homeowners / Rentals
                   2. Auto/Boats/Planes
                   3. Jewelry, Scheduled Prop
 Medical           4. Personal Umbrella Liab
 Documents         5. Life Insurance
                   6. Disability
                   7. Long Term Care
                   8. Health & Medical

                   •   Be sure to get a claim form
                       for each policy
                   •   Contact Information to make
                       the claim
Important Docs   • Proof of Ownership &
                    Residency
Household
Records
                 1. Current Utility Bills

                 2. Credit Card & Bank
                    Statements

                 3. Tax Returns (Current
                    Year)

                 4. Salary Stub
Important Docs    • Legal Stuff
Legal Documents
                  1. Living Trusts / Wills
                  2. Healthcare Proxy
                  3. Medical Directive
                  4. Durable Power of
                       Attorney
                  5.   Deed to the House
                       (Copy)
Evacuate! What to Take?

•   Keepsakes,      1. Family Photo’s
    Irreplaceable
                    2. Jewelry
    Stuff
                    3. Small Expensive Items
Keepsakes         • Family Photos
Non-Replaceable
Stuff             1. Jpegs

                  2. Mpegs

                  3. Albums or other hard
                    copy
Keepsakes   • $$$$$$$$ Items
Jewelry
            1. Jewelry, rings,
               bracelets, diamonds

            2. Appraisals

            3. Photo’s of Items

            4. Financial
               Instruments, Bonds,
               Cashiers Checks
Keepsakes           One of a Kind Items

Small Expensive   1. Memorabilia
Items
                  2. Artifacts

                  3. Heirlooms

                  4. Precious Stuff
Where to go for HELP?

•   File your         1. Mitigate the LOSS
    Insurance Claim
                      2. Inventory your stuff

                      3. Have the right forms
File Ins Claim        Mitigate the Loss

You must stop the   1. Required by
Bleeding               Insurance Terms

                    2. Saves you $$$ in
                       the end

                    3. Board up windows

                    4. Lock and secure
                       premises

                    5. Turn off utilities
                       (Maybe) !!
File Ins Claim             Prove you Claim

Inventory Your Stuff
                       1. Knowyourstuff.org

                       2. Video Inventory

                       3. Proof of purchase

                            • Guitar Story
File Ins Claim          “Be Prepared” in
                             Advance
Have the “Right”
Forms
                   1. Insurance Claim Form
                      (Partially filled out)

                   2. Contact Carrier, out of
                      State information
                      (Broker, too)

                   3. List of Local Adjusters
                      for your carriers.
Where to go for Help?

 •   Where to go for   1. Call Insurance Co
                          ASAP!!
     $$ Money
                       2. Government Aid
 •   To Rebuild &
                       3. Calls you must make
     Pay Bills
Where to Get $$$         Report Your Claim

Call Insurance     1. Don’t wait to call !!
Company ASAP
                   2. Accept short term relief
                      from Agencies, Relatives,
                      friends, employers etc.

                   3. Make use of any internet
                      service you can find

                   4. Ask for an adjuster. Be
                      tough!
                   Government Help / Aid
Where to Get $$$

Government Aid     1. Public Library, has
                      every form you’ll
                      need, FEMA Apps,
                      Credit Apps etc.

                   2. Library Helpers are
                      trained to help.

                   3. SBA Loans
Where to Get $$$      Have to “CALLS”

 Calls you Must    1. Employer
 Make
                   2. Payee’s

                   3. Lenders
CONCLUSION
             Bill Redford
             Sr. Vice President
             SullivanCurtisMonroe

             949-285-0863
             bredford@sullicurt.com

				
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